Question: Insurance coverage on items we store at home

Among our board members there's been some debate on whether items owned by PTO are safer stored on school property or our individual homes. This includes valuable donations we receive throughout the year, as well as assets such as electronics and carnival equiment. If an item were stolen from the school, our theft insurance coverage would cover it, but what if it's stolen from one of our homes?

Asked by Anonymous

Answers:

Advice from PTO Today

Rose H writes:
Hi there,
Typically, PTO items kept at home would not be covered by a group's insurance. So, we'd say definitely safer to find a way to store this items on school property.

If you wanted info on insurance policies you can obtain through us, here's a link to follow: http://www.ptotoday.com/insurance.

Good luck!
Rose C.

Community Advice

mum24kids writes:
I don't think it will be covered by the PTO insurance policy if it is at home, but it may be covered by individual's homeowner's policies. Only way to know is for the people who are storing things to call their insurance agents/companies.